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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $91,677 | $162,812-43.7% | $133,971-31.6% | $158,966-42.3% |
| Participation rate | 42.1% | 83.2%-41.1pp | 79.8%-37.7pp | 82.0%-39.9pp |
| Annual return | 15.20% | 41.94%-26.7pp | 45.09%-29.9pp | 302.95%-287.8pp |
| Employer contribution / active EE | $1,273 | $4,976-74.4% | $3,919-67.5% | $4,762-73.3% |
| Participant deferral / active EE | $2,906 | $5,910-50.8% | $5,047-42.4% | $5,983-51.4% |
| Admin fee / account holder | $5,104 | $11,741-56.5% | $8,929-42.8% | $11,250-54.6% |